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Cookie policy

Our website uses ‘cookies’ to help you navigate efficiently and perform certain functions.

What are cookies?

Cookies are small data files which are saved on your computer or in your browser's memory when you visit a website. They help speed things up when you return to the site by remembering information such as which parts of the site you visit, what you like and what's most relevant to you. They do not remember any personal or confidential information about you.

How does our website use cookies?

Session cookies

These account for the majority of cookies used, but they only last for the duration of your visit and are deleted when you close your browser.

No data is collected which could personally identify you, however we store and collect your unique ID, which tracks your visit from page to page. This is so we can ensure that you remain signed-in as you move around the site and keep your session open when applying for new products.

Persistent cookies

These last beyond your current visit and help us provide an enhanced experience next time you visit. We use Google Analytics to gauge how popular our site is and track visitor trends over time. Google Analytics uses a cookie to help track which pages you access. Your computer's IP address is used to determine where in the world you are accessing the site from and to track your page visits within the site.

We also track a user’s website behaviour against their unique ID to help us track advertising and deliver personalised communications via IBM marketing cloud to those who have marketing preferences. While these are tracked for all users, we only use these for marketing purposes, where we have explicit consent to send marketing communications.

We do not share your tracking / behavioural information for use by anyone except for us.

Third party websites

We might occasionally embed content from the likes of YouTube, Trustpilot and Hotjar into our website. Such third party websites may use cookies, so please refer to their own privacy policies.

Don't want to use cookies?

To get the best from our website, we advise leaving cookies enabled while visiting; otherwise you may find that parts of our site no longer work. These include accessing your account and applying for new products.

However, if you choose, you can block all cookies by altering the settings in your web browser. Please refer to your browser's help section to do this. Alternatively, you could just block third party cookies (Google Analytics), which will not impact your browsing experience.

Further information

For more information on cookie management and how they work, please refer to allaboutcookies.org.

Please remember

This website can help you make informed investment decisions, not give personalised advice. If in doubt, please seek independent financial advice. Past performance is not an indicator of future performance and since investments can fluctuate in value, you may get back less than you pay in. Tax allowances and the benefits of tax-efficient accounts could change in the future.